ECM Federal Credit Union

About Us

Welcome to ECM Federal Credit Union! We are a member-owned credit union. When you join the family, you can take advantage of banking services, competitive rates and personalized service. ECM Federal Credit Union has been open since 1967. It is the 25th largest credit union in Mississippi with assets totaling $21.97 Million and providing banking services to more than 2,000 members. Membership is also open to immediate family of current members, and we are committed to the financial success of your family.


When you join the ECM FEDERAL CREDIT UNION, you belong to an institution that is unique in the financial industry. Credit unions are driven by a philosophy that sets them apart. Consider this:

ECM FEDERAL CREDIT UNION IS A COOPERATIVE. It is owned and governed by its members, not customers. As a result, it exists solely to provide you with a safe, convenient place to bank, save and obtain loans at reasonable rates.

ECM FEDERAL CREDIT UNION IS NOT-FOR-PROFIT. There are no outside shareholders; therefore, earnings are returned to members in the form of lower rates on loans, higher returns in savings and better service.

ECM FEDERAL CREDIT UNION IS VOLUNTEER DRIVEN. The active involvement of volunteers is the cornerstone of the credit union philosophy. The board of directors, credit committee and supervisory committee are made up of individuals elected by members. These volunteers are unpaid.


Who owns the credit union?

The members. Once you deposit money in the credit union, you become a member and a shareholder, not just a depositor. Because of this, your credit union’s sole commitment is to serving you and the other members of your credit union. It’s that simple.

Who makes the decisions?

When you join the ECM Federal Credit Union, you can vote for the credit union’s board of directors, credit committee and supervisory committee on a one-member, one-vote basis at the credit union annual meeting held each February. You have a say in how the ECM Federal Credit Union is operated.

Who regulates the credit union?

The ECM Federal Credit Union operates under extensive and strict federal regulations. As a federal charter credit union, we are closely supervised and examined by the National Credit Union Administration.

Will my money be safe?

The ECM Federal Credit Union is a federally insured financial institution. Your deposits are insured by the National Credit Union Administration up to $250,000. There is no safer or sounder federal insurance fund than the one which protects your credit union’s savings. Not only is the fund strong, but also is backed by “the full faith and credit” of the United States Government.

What makes ECM Federal Credit Union different?

We are different because we don’t just focus on meeting your needs, but we want to ensure that you have an overall great experience with us. We work with excellence to ensure that you are not only getting the help you need, but are happy with every step of the process.

We’re here for you

Excellence. Dependability. Quality.

More Information

ROUTING NUMBER – 265377099

PRIVACY POLICY – coming soon

FEE SCHEDULE – coming soon

Holiday Schedule

The credit union will be closed in observance of the following holidays:

New Year’s Day

Memorial Day

Independence Day

Labor Day

Thanksgiving Day (Thursday and Friday)

Christmas Day

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